CZFS
Price
$67.03
Change
-$0.57 (-0.84%)
Updated
Feb 5, 04:57 PM (EDT)
Capitalization
324.96M
84 days until earnings call
Intraday BUY SELL Signals
UVSP
Price
$35.22
Change
-$0.20 (-0.56%)
Updated
Feb 5, 04:01 PM (EDT)
Capitalization
997.32M
83 days until earnings call
Intraday BUY SELL Signals
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CZFS vs UVSP

Header iconCZFS vs UVSP Comparison
Open Charts CZFS vs UVSPBanner chart's image
Citizens Financial Services
Price$67.03
Change-$0.57 (-0.84%)
Volume$200
Capitalization324.96M
Univest Financial
Price$35.22
Change-$0.20 (-0.56%)
Volume$200
Capitalization997.32M
CZFS vs UVSP Comparison Chart in %
CZFS
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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VS
CZFS vs. UVSP commentary
Feb 06, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CZFS is a Buy and UVSP is a StrongBuy.

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COMPARISON
Comparison
Feb 06, 2026
Stock price -- (CZFS: $67.60 vs. UVSP: $35.42)
Brand notoriety: CZFS and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 69% vs. UVSP: 121%
Market capitalization -- CZFS: $324.96M vs. UVSP: $997.32M
CZFS [@Regional Banks] is valued at $324.96M. UVSP’s [@Regional Banks] market capitalization is $997.32M. The market cap for tickers in the [@Regional Banks] industry ranges from $162.2B to $0. The average market capitalization across the [@Regional Banks] industry is $9.38B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

CZFS’s FA Score shows that 1 FA rating(s) are green whileUVSP’s FA Score has 1 green FA rating(s).

  • CZFS’s FA Score: 1 green, 4 red.
  • UVSP’s FA Score: 1 green, 4 red.
According to our system of comparison, UVSP is a better buy in the long-term than CZFS.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

CZFS’s TA Score shows that 6 TA indicator(s) are bullish while UVSP’s TA Score has 4 bullish TA indicator(s).

  • CZFS’s TA Score: 6 bullish, 4 bearish.
  • UVSP’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than UVSP.

Price Growth

CZFS (@Regional Banks) experienced а +10.55% price change this week, while UVSP (@Regional Banks) price change was +5.98% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.20%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +19.10%.

Reported Earning Dates

CZFS is expected to report earnings on Apr 30, 2026.

UVSP is expected to report earnings on Apr 29, 2026.

Industries' Descriptions

@Regional Banks (+2.20% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UVSP($997M) has a higher market cap than CZFS($325M). UVSP has higher P/E ratio than CZFS: UVSP (11.32) vs CZFS (8.87). CZFS YTD gains are higher at: 18.555 vs. UVSP (8.186). CZFS has less debt than UVSP: CZFS (280M) vs UVSP (359M). UVSP has higher revenues than CZFS: UVSP (320M) vs CZFS (109M).
CZFSUVSPCZFS / UVSP
Capitalization325M997M33%
EBITDAN/AN/A-
Gain YTD18.5558.186227%
P/E Ratio8.8711.3278%
Revenue109M320M34%
Total CashN/A70.8M-
Total Debt280M359M78%
FUNDAMENTALS RATINGS
CZFS vs UVSP: Fundamental Ratings
CZFS
UVSP
OUTLOOK RATING
1..100
1766
VALUATION
overvalued / fair valued / undervalued
1..100
21
Undervalued
34
Fair valued
PROFIT vs RISK RATING
1..100
6340
SMR RATING
1..100
4326
PRICE GROWTH RATING
1..100
4345
P/E GROWTH RATING
1..100
7258
SEASONALITY SCORE
1..100
7565

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

CZFS's Valuation (21) in the null industry is in the same range as UVSP (34) in the Regional Banks industry. This means that CZFS’s stock grew similarly to UVSP’s over the last 12 months.

UVSP's Profit vs Risk Rating (40) in the Regional Banks industry is in the same range as CZFS (63) in the null industry. This means that UVSP’s stock grew similarly to CZFS’s over the last 12 months.

UVSP's SMR Rating (26) in the Regional Banks industry is in the same range as CZFS (43) in the null industry. This means that UVSP’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's Price Growth Rating (43) in the null industry is in the same range as UVSP (45) in the Regional Banks industry. This means that CZFS’s stock grew similarly to UVSP’s over the last 12 months.

UVSP's P/E Growth Rating (58) in the Regional Banks industry is in the same range as CZFS (72) in the null industry. This means that UVSP’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSUVSP
RSI
ODDS (%)
Bearish Trend 2 days ago
53%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
44%
Bearish Trend 2 days ago
69%
Momentum
ODDS (%)
Bullish Trend 2 days ago
68%
Bullish Trend 2 days ago
64%
MACD
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
61%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
58%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
49%
Advances
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
54%
Declines
ODDS (%)
Bearish Trend 9 days ago
64%
Bearish Trend 8 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
55%
Bearish Trend 2 days ago
62%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bearish Trend 2 days ago
60%
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CZFS
Daily Signal:
Gain/Loss:
UVSP
Daily Signal:
Gain/Loss:
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CZFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZFS has been closely correlated with MCBS. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZFS jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
+1.43%
MCBS - CZFS
75%
Closely correlated
+1.95%
UVSP - CZFS
73%
Closely correlated
+0.34%
SBSI - CZFS
72%
Closely correlated
+0.81%
FCF - CZFS
72%
Closely correlated
+1.61%
STEL - CZFS
71%
Closely correlated
+2.06%
More

UVSP and

Correlation & Price change

A.I.dvisor indicates that over the last year, UVSP has been closely correlated with STBA. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if UVSP jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UVSP
1D Price
Change %
UVSP100%
+0.34%
STBA - UVSP
91%
Closely correlated
+1.01%
UBSI - UVSP
91%
Closely correlated
+1.66%
IBCP - UVSP
91%
Closely correlated
+1.13%
THFF - UVSP
90%
Closely correlated
+1.50%
CTBI - UVSP
90%
Closely correlated
+0.96%
More